For months now I have watched those hilarious commercials about getting your credit report for free. I could even sing the jingle for you. Have you tried going to that website? The report isn't free!
I did some research and with the help of Dave Ramsey's Financial Peace University course, I found the correct website in which I could get my credit report for free. It is www.annualcreditreport.com.
It's important to spend time reviewing your report to make certain that there isn't incorrect activity. If you have credit cards that are open and you are not utilizing them, cancel them. I will be writing a letter and sending my cut-up credit cards by mail and requesting the company send me a letter verifying that they received my letter.
Keeping your credit clean is important especially if you are considering re-financing or purchasing a home in the near future.
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